About OSHC Worldcare. Who is eligible for OSHC? What is OSHC? How long do I have to be covered? Why do international students need OSHC?

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1 About OSHC Worldcare What is OSHC? Why do international students need OSHC? Who is eligible for OSHC? How long do I have to be covered? What does OSHC cover? What is not covered? Is there a waiting period? When does my cover start? The Australian health care system What is a direct billing medical provider? What do I do if I need medical treatment? How do I submit a claim? Where can I get assistance? How do I renew my OSHC? What if I forget to renew my OSHC? I am going home for the holidays, can I suspend my membership? I am leaving Australia and my OSHC has not expired, can I get a refund? What is OSHC? Overseas student health cover (OSHC) is health insurance that provides cover for the costs of: Out of hospital medical treatment In hospital medical treatment Prescription Medicines Emergency ambulance assistance Why do international students need OSHC? Ensure that your OSHC is still current The Department of Immigration and Citizenship requires holders of a student visa to maintain OSHC for their entire stay in Australia. If you allow your cover to lapse, when you renew your OSHC you will have to back-pay for any period that you were not covered by OSHC. In addition, you are not entitled to receive benefits for periods when you were not covered by OSHC. Peace of mind Medical treatment can be expensive. International students are not eligible for Medicare - the public health insurance system for Australian Residents. Without access to Medicare, international students may have difficulty paying for medical treatment. In some cases, hospital treatment can cost more than $600 per day. OSHC was introduced to ensure international students have health care arrangements during their stay in Australia. OSHC ensures international students can access appropriate health care without undue financial hardship. Who is eligible for OSHC? You are eligible for this policy if you are an Overseas Student. Overseas Student has the same meaning as in regulation 48 of the National Health Regulations 1954, that is: a person who is the holder of a student visa; or a person who: - is an applicant for a student visa; and - is the holder of a bridging visa; and - was, immediately before being granted the bridging visa, the holder of a student visa. A spouse or dependant may be covered on a policy as long as the policy is for a family plan. A dependant in relation to a person under 18 years of age means wholly or substantially dependent on you for financial, psychological or physical support. Once a Dependant reaches 18 years of age, he/she ceases to be a Dependant for the purposes of OSHC and may wish to seek other health insurance options. How long do I have to be covered? The Australian Government requires that you have OSHC for the entire time of your stay in Australia. You can purchase OSHC: For the whole length of your student visa For the minimum period of cover which is 12 months, or the duration of your student visa, whichever is shorter We recommend purchasing OSHC for the length of your visa as: You are eligible for a 5% discount when you purchase a policy greater than 24 months You will be protected from future price increases You do not need to worry about forgetting to renew your cover What does OSHC cover? OSHC Worldcare provides a safety net for overseas students, similar to that provided to Australians through Medicare. Additionally, OSHC Worldcare also includes access to some private hospitals and day surgeries, emergency ambulance cover and benefits for prescription medicines. Revised August 2009

2 Out of hospital services In hospital services public hospitals Medical services provided by doctors (GP Services) Medical services such as pathology and radiology The benefit amount as listed in the Medicare Benefits schedule Admitted patient in shared ward or private ward hospital accommodation Same day services as an admitted patient Accident and Emergency The Medicare Benefits Schedule fees are uniform across Australia and are determined by the Department of Health and Ageing in consultation with professional bodies. The benefit payable is usually of the Schedule fee for most GP services and 85% of the Schedule fee for all other out of hospital services. The item number determines the benefit payable. Read our Out of Hospital Services Fact sheet for further details. For example, if the benefit payable is 85% of the schedule fee. The patient pays the difference between the Schedule fee and the rebate (known as the co-payment ). Medicare Benefits Schedule Fee as set by Australian Goverment MBS 15% payable by the patient OSHC will pay you 85% of MBS Some doctors, specialists and health service providers can charge more than the MBS. If the doctor charges more than the MBS, we will pay 85% of the MBS and the patient must pay the amount over this. Outpatient medical and post operative services Rehabilitation/occupational therapy subject to the following conditions: i. Treatment must be recommended by the treating doctor ii. Treatment must be recommended to recover from an acute illness or injury iii. Treatment is provided while you are an admitted patient of a hospital * Charge is the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident. Public hospital fees and charges Public Hospital In hospital services - private hospitals OSHC Worldcare will pay of fees as determined by State and Territory Health authorities Doctor or medical provider charges an amount greater than MBS Amount charged MBS Difference payable by patient 15% payable by the patient OSHC will pay you 85% of MBS Admitted patient in shared ward or private ward hospital accommodation 1 Same day services as an admitted patient Accident and Emergency Medicare Benefits Schedule Fee as set by the Australian Govermment Outpatient medical and post operative services Rehabilitation/occupational therapy subject to the following conditions: i. Treatment must be recommended by the treating doctor ii. Treatment must be recommended to recover from an acute illness or injury iii. Treatment is provided while you are an admitted patient of a hospital 1 Charge is the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident. 2

3 Private hospital fees and charges Private Hospital OSHC Worldcare will pay of fees as determined by State and Territory Health authorities You are covered for treatment in private hospital. However, be aware that private hospitals can charge more than the fees determined by State and Territory authorities, and you will have to pay the difference. Prescription medicines Prescription-only medicines prescribed and dispensed by a registered practitioner - benefits for expenses exceeding the equivalent of the current Pharmaceutical Benefits Scheme (PBS) patient contribution for general beneficiaries. Up to $50 per prescription item LIMITS PER ANNUM Maximum amount per calendar year Single $300 Family $600 PBS patient contribution means the amount members are required to pay by law towards the cost of a prescription before OSHC Worldcare starts to pay the benefits. This contribution is the same as an Australian who does not receive any concessional payments. Patient must pay $33.30 towards the prescription Other services Prescribed medicine $ Surgically implanted prostheses as detailed in the Australian Government Dept of Health Prosthesis list Ambulance Services - when medically necessary for admission to hospital OR - for emergency treatment No routine use covered. OSHC Worldcare will pay you the difference between the $33.30 and the cost of the medicine, up to a maximum of $50 per prescription 1 Up to $50 per prescription item of transportation charge 1 Charge is the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident. 2 Limits are the maximum amounts payable under a standard 12 month policy and are pro-rata according to the length of cover of the policy. Limits apply per person as long as the maximum benefit has not been used on a Family Policy. What is not covered? Services which are not covered under your policy (a) Services provided by physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services. (b) Medications, drugs or other treatments not prescribed by a doctor or not included in the PBS. (c) Dentist or optician charges. (d) The co-payment payable by you under Australian law or as a result of the provider charging in excess of the Medicare Benefits Schedule Fee. (e) Medical or hospital services arising from any event listed as a General Exclusion. Benefits are not payable for: (a) services and treatment rendered as part of an assisted reproductive program, including but not limited to in-vitro fertilisation; (b) treatment rendered outside of Australia, whether or not in connection with a course of study and including treatment necessary en route to or from Australia; (c) treatment arranged in advance of the Dependant s or Overseas Student s arrival in Australia; (d) treatment rendered to a Dependent or Overseas Student in the first twelve months after arrival in Australia where that treatment is for a medical condition in existence prior to that arrival. This exclusion does not apply where a Medical Practitioner certifies, and we agree, that the Dependent or Overseas Student required emergency treatment or treatment for a life-threatening condition in Australia. We will not unreasonably withhold our agreement; (e) where application was made for a Student Visa by an on-shore applicant, who previously did not hold a Student Visa, treatment rendered to a Dependent or Overseas Student in the first twelve months after purchase of OSHC where that treatment is for a medical condition in existence prior to the purchase of OSHC. This exclusion does not apply where a Medical Practitioner certifies, and we agree, that the Dependent or Overseas Student required emergency treatment or treatment for a life-threatening condition in Australia. We will not unreasonably withhold our agreement; (f) treatment of secondary conditions or disabilities directly arising from the conditions or disabilities to which subclause (d) and (e) applies will be treated in accordance with the provisions of subclause (d) and (e) respectively; (g) treatment for a pregnancy related condition for a Dependant or an Overseas Student where the Overseas Student s visa is for less than 3 months. This exclusion does not apply where the Dependant or Overseas Student arrived on a previous visa and the total period of continuous stay is 3 months or longer, ie pregnancy is not to be treated as a pre-existing condition. If an Overseas Student on an initial visa of less than 3 months duration obtains a new Student Visa to increase their stay for 3 months or more then this exclusion ceases from the date of issue of the second visa and pregnancy is not to be treated as a pre-existing condition; (h) transportation of a Dependant or Overseas Student into or out of Australia in any circumstance; (i) elective cosmetic surgery. 3

4 Is there a waiting period? Pre-existing conditions The waiting period for a Pre-Existing Medical Condition is 12 months from the date you arrive in Australia, or the date your student visa was granted, whichever is the later date. During this 12 month period, you cannot claim for any costs associated with any ailment, illness, disability or condition (or secondary condition related to this ailment, illness, disability or condition) that you suffered from at any time before you came to Australia, or before the date your student visa was granted, whichever is the later date. When does my cover start? For most commencing students your cover is arranged through your education institution prior to your arrival and you are covered as soon as you arrive in Australia. For continuing students (those that have been in Australia for a while) you are covered until the expiry date shown on your membership card. Please check that you have your membership card and know your expiry date so that you maintain your cover. The Australian health care system Australia has a national health care system that provides access to health care for Australian citizens, New Zealand citizens or holders of permanent resident visas. The major part of the national health care system is called Medicare. Medicare provides high quality health care which is both affordable and accessible to all Australians, often provided free of charge at the point of service. Medicare covers areas of medical, hospital and pharmaceutical costs, but does not cover private hospital costs, dental, optical and similar services. Medicare does not provide cover for emergency ambulance assistance or for transport to hospital. It is very important that you have a good understanding of the Australian health care system. If you understand the health care system in Australia, you will be able to access the best and most effective treatment for you. What is a direct billing medical provider? OSHC Worldcare has made special arrangements for our members with many medical providers to direct bill us for the covered amount of your bill. This means that you simply show your valid OSHC Worldcare membership card - so make sure you carry your valid card with you at all times. Some medical providers may charge a small gap fee at the time of service, but the rest of the bill will be taken care of directly by OSHC Worldcare. You can find your closest Direct Billing Medical Provider online, by logging into the Students section of the OSHC Worldcare website. What do I do if I need medical treatment? Please notify OSHC Worldcare immediately on if you are admitted for hospital treatment. General Practitioners If you are not in a medical emergency situation, the first point of contact is a general practitioner (GP) or local health/medical centre. You can access many services at your local health centre. Some of the services available are: General medicine: physical check-ups, pathology (blood tests), skin checks, nutrition advice, support in quitting smoking, blood pressure monitoring Assessment and treatment of health problems and injuries First aid services as needed Simple diagnostic screenings: many tests available - some include urine pregnancy test, urinalysis, blood pressure readings, blood sugar testing Women s health: contraceptive advice, pap smears, sexual health screening, pregnancy testing and advice, breast examination Men s health: sexual health screening, prostate checks Health counselling: including health problem counselling and personal problem counselling Referrals to specialist services It is necessary for you to make an appointment to see your doctor. In order to minimise your medical expenses, you should attend a medical centre or GP that direct bills OSHC Worldcare. You can find your closest direct billing medical providers by logging into the Students section of the OSHC Worldcare website. You simply have to show your valid OSHC Worldcare membership card, and the bill for the covered portion of your service will be sent directly to OSHC Worldcare. If you wish to see another doctor, a list of doctors names, locations and phone numbers can be found in the Yellow Pages Telephone Directory, L-Z, under Medical Practitioners - Locality Guide for the nearest medical centre in your suburb. You may be required to pay the bill, and submit a claim to OSHC Worldcare in order to get your benefit. Accident and Emergency Treatment Every public hospital has a 24-hour Emergency and Casualty department where you may seek help after hours and during weekends. If you attend an outpatient, emergency or casualty department you may need to wait a long time to see a doctor at a public hospital unless of course it is an emergency. Patients with the most urgent and serious problems are seen and treated first. You should only use these services in an emergency situation. People waiting in emergency are assessed and treated according to the seriousness of their medical condition. The patients with the most urgent problems are seen and treated first. If you attend the emergency department with a less serious medical condition you may be required to wait to see a doctor. 4

5 Hospital Treatment If you have been referred to hospital to undergo treatment, you must contact OSHC Worldcare immediately on You will need to provide OSHC Worldcare with the details of your treatment and hospital stay. We will then be able to confirm your cover and assist you with making arrangements for payment to the hospital. Public Admission Generally, OSHC Worldcare covers the total cost of your stay and treatment as an inpatient in a shared ward of a public hospital. As a public patient, your doctors will be nominated by the hospital. After you are discharged from hospital, your care will be carried out in either the out-patient clinic, one of the hospital specialist s private rooms or you will be referred to your local general practitioner. Private Admission You may choose to be treated in a private hospital. OSHC Worldcare will contribute benefits towards treatment and shared ward accommodation. If you are a private patient, you may have to pay for any difference between your doctor s charges and the schedule charge, which is the rate determined by State and Territory health authorities for services charged to a patient who is not an Australian resident. Specialists and private health services After your initial consultation with your doctor, if you require more specialist care or treatment, your doctor will refer you to a specialist doctor. How do I submit a claim? If you do incur medical costs in Australia, there are two ways to submit a claim: Online 1. Follow the step by step instructions to submit a claim 2. Record the claim reference number at the submission of the online claim, and write it on the back of all your original invoices and/or receipts 3. Send the original invoices and/or receipts to OSHC Worldcare, Locked Bag 3001, Toowong QLD 4066 By post 1. Collect a claim form from: - your institution - download from 2. Complete the claim form and attach your original invoices and/or receipts 3. Send the claim form and original invoices and/or receipts to OSHC Worldcare, Locked Bag 3001, Toowong QLD 4066 It is important to keep a copy of all your invoices and receipts and your claim reference number. To make a successful claim you must submit: All Original Receipts and/or Invoices and Any other relevant documents Pre-paid, pre-addressed envelopes are available to make it easy to send all documents to OSHC Worldcare. Envelopes are available at your institution or can be requested by contacting OSHC Worldcare on 13 OSHC ( ) Where can I get assistance? Client service representatives OSHC Worldcare has Client Service Representatives which are present at some Student Self Service Areas and institutions at various times during the week. They can assist you with any enquiries you may have and can provide you with a cash claim of up to $105. Check with your International Office about your OSHC Worldcare Representative. Self service areas Some institutions have an OSHC Worldcare Self Service Area, where members have access to: Helpful OSHC Worldcare information including claim forms, pre-paid envelopes and new information By phone If your institution does not have a Self Service Area or Client Service Representative, you can access all of the same information on this website, or call 13 OSHC ( ) for friendly and helpful advice. How do I renew my OSHC? If your OSHC expires before the end of your student visa, it is your responsibility to ensure that you renew your OSHC. You can renew your policy: Online at using your credit card On-campus some institutions are able to collect your OSHC premium and send it to OSHC Worldcare. OSHC Worldcare also provides on-campus EFTPOS machines at some institutions. Once you renew your OSHC, your new membership card will be sent to you automatically. By Post Sending a money order or cheque by post, accompanied by an application/renewal form. If you need to apply for an extension or new Student Visa, you will need to prove to the Department of Immigration that you have OSHC. What if I forget to renew my OSHC? You are responsible for making sure your OSHC is always valid. If you allow your policy to lapse whilst on a student visa, and you wish to renew your OSHC during the duration of your student visa, you must pay the premiums for the lapsed period. No benefits are payable for claims paid during the lapsed period of your OSHC. 5

6 I am going home for the holidays, can I suspend my membership? OSHC Worldcare offers Holiday Credit for policy holders that leave Australia for more than 30 days during their OSHC Worldcare policy. In order to apply for Holiday Credit: You must show a VALID OSHC Worldcare policy when you apply for Holiday Credit If your OSHC Worldcare policy expired during your absence, you must renew your cover and backdate to the date of expiry before you can apply for your Holiday Credit You must be out of Australia for a period of 30 days or greater You must apply for Holiday Credit within 30 days of your return to Australia To apply for an extension of your policy with OSHC Worldcare, contact your local OSHC Worldcare Representative on campus or call us on 13 OSHC ( ). You must contact OSHC Worldcare within 30 days of returning to Australia to apply for an extension of your membership. For further information refer to the Holiday Credit Fact Sheet or download an appliation form and it to oshc@worldcare. com.au. I am leaving Australia and my OSHC has not expired, can I get a refund? OSHC Worldcare will provide a refund (part or full) of your premium if: you paid for OSHC and did not come to Australia to commence your studies your student visa was not extended or was cancelled you have to cease studies and leave Australia before the end of a period of approved stay for reasons beyond your control you finish your studies early and are leaving Australia you have been granted permanent resident status in Australia you have OSHC with another provider OSHC Worldcare will not refund premiums for periods of less than one month. 6